LoansUnder36 helps provide personal loans to individuals by matching them with its network of lenders. The company specializes in unsecured personal loans for borrowers with credit ranging from poor to excellent. LoansUnder36 maintains headquarters in West Caldwell, New Jersey.
LoansUnder36’s main selling point is that all of its lenders’ maximum interest rate is 36%, similar to most of its competitors.
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LoansUnder36% helps provide personal loans to individuals by matching them with its network of lenders. The company specializes in unsecured personal loans for borrowers with credit ranging from poor to excellent. LoansUnder36% maintains headquarters in West Caldwell, New Jersey.
LoansUnder36%’s main selling point is that all of its lenders’ maximum interest rate is 36%, similar to most of its competitors.
LOAN AMOUNT
$500 - $35,000
LOAN REPAYMENT TERM
2-72 months
MIN CREDIT SCORE
300
APR FIXED RATE
5.99% - 35.99%
FUNDING TIME
Average of one business day days
ORIGINATION FEE
None
PREPAYMENT FEE
None
OTHER FEES
N/a
SOFT CREDIT PULL
No
LENDER TYPE
Marketplace
Pros & Cons
Personal Loans Types
Loan Purpose
LoansUnder36 offers unsecured fixed-rate personal loans. These loans can be used for any purpose the borrower chooses, from debt consolidation to vacation.
LoansUnder36’s lenders offer loans for as little as $500 with repayment terms as short as two months.
Procuring a personal loan with LoansUnder36% requires submitting personal information like most personal loan companies.
Loan amount
The online process is simple and fairly straightforward.
LoansUnder36% requires personal information and the loan amount requested to match you with a lender.
Available in all states
LoansUnder36 has a complete privacy and security statement on its website. The company states it does not share any personal information it collects with third parties without customer consent. Customers also have the option to opt-out of promotional emails at any time.
All data collected by LoansUnder36 is encrypted for security.
LoansUnder36 does not provide a customer support phone number or email address on its website. We also couldn’t locate it through an extensive online search.
LoansUnder36 is a company that connects borrowers with its network of lenders; it does not lend money itself. The company provides no contact information on its website and is not found on the BBB website.
LoansUnder36%.com (the “website”) is not an offer or solicitation to lend. The website only provides a service and is not an agent, representative, or broker of any lender and does not endorse or charge you for any loan or product. The website operators are not lenders, do not make loans of any type, and do not make credit decisions. The website collects personal information provided by you and forwards it to partners in our lender network. You are under no obligation to use this website or service to initiate, contact, nor apply for credit or any loan product with any service provider or lender. Loan amounts vary from $500 and $35,000 but not all lenders can provide up to $35,000. Providing your information on the website does not guarantee you will be approved for a loan or credit product. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. If you have any questions, contact your lender directly for details, questions, or concerns regarding your loan or credit product. Short-term cash loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution. This service and lenders are not available in all states. Lenders may perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union or may perform alternative credit checks or consumer reports through alternative providers. By submitting your request, you acknowledge, agree, and authorize that (a) your information may be sent to lenders and/or third-party partners on your behalf, and (b) such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax to evaluate your creditworthiness. Representative example: If you borrowed $2,000 over a 12 month period and the loan had a 3% origination fee ($60), your monthly repayments would be $189.12, with a total payback amount of $2269.44 which including the 3% fee paid from the loan amount, would have a total cost of $329.44. Representative 29.82% APR. If you borrowed $5,000 over a 48 month period and the loan had an 8% origination fee ($400), your monthly repayments would be $131.67, with a total payback amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR. Loan products have a 61-day minimum repayment term.
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